The question that comes to my mind is, which of the following situations is true? A) Marital status is an input to the insurance model. If all other inputs bu

The question that comes to my mind is, which of the following situations is true? A) Marital status is an input to the insurance model. If all other inputs but marital status are changed, the model outputs different values, and the marriage is lower. B) Marital status is correlated with other factors, which are input to the insurance model. For example, it is quite conceivable that individuals who are either very young or very old are likelier to be unmarried, and also likelier to be higher risks for many types of insurance (e.g. a young driver is risky due to inexperience, an elderly driver is risky due to declining faculties and health problems that interfere with driving).